Speculative commentary on bank reform and monetary policy without concrete leads

Speculative commentary on bank reform and monetary policy without concrete leads The passage offers only generic economic speculation and personal reflections, lacking specific names, dates, transactions, or actionable details linking powerful actors to misconduct. It provides no novel evidence and is unlikely to generate significant investigative value. Key insights: Discusses potential impact of bank reform on borrowing costs and equity issuance; Mentions possible shift of deposits to ETFs and mutual funds; References Modigliani's economic theories without new data